Non-QM & Alternative Documentation

Self-employed? Paid on 1099? Living on assets or retirement income? Traditional tax-return underwriting doesn’t tell your whole story. Our Non-QM and alternative documentation programs qualify you based on how you actually earn.

Bank Statement Loans

Qualify using 12 or 24 months of personal or business bank statements instead of tax returns. Perfect for business owners whose tax returns understate their true cash flow.

1099 Program

Contractors and commissioned professionals can qualify using 1099 income alone, no full tax returns required.

One-Year Tax Return Program

Recently self-employed or had one strong year? Some programs allow qualification with just one year of returns instead of the usual two.

Retirement & Asset Qualification

Retirees and high-net-worth borrowers can qualify using retirement account distributions or an asset depletion calculation, without employment income.